# Cozy Funds vs Splitko

The clearest difference is device support: Splitko at 3 against Cozy Funds's 1. On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Cozy Funds sells 3 in-app purchases, starting at $2.99 per 7 days and Splitko sells 2 in-app purchases, starting at $2.99 per month. Whichever you choose, the download price is not the number that matters.

On the App Store both sit at effectively the same score — 5.0 for Cozy Funds against 5.0 for Splitko. Both are backed by a comparable volume of ratings — 1 and 1 respectively.

Both ship on a similar rhythm, roughly every 3 days. The most recent releases landed on September 9, 2026 and September 10, 2026 respectively.

## The numbers

| Metric | Cozy Funds | Splitko |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (1 ratings)](https://appshunter.io/ios/app/cozy-funds-expense-tracker/id6754826032/reviews) | [5.0 (1 ratings)](https://appshunter.io/ios/app/splitko-bill-split-and-expenses/id6759840476/reviews) |
| Number of ratings | 1 | 1 |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | Yes | Yes |
| Ads | No | No |
| Update frequency | Every 3 days | Every 3 days |
| Monetization | Freemium | Free with in-app purchases |
| Size | 49 MB | 59 MB |
| Requires iOS | 16.6 | **15.5** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Anslem Ubaka](https://appshunter.io/developer/1850332608) | [Michal Lelek](https://appshunter.io/developer/1881124457) |

## What reviewers say

### Cozy Funds

[App page](https://appshunter.io/ios/app/cozy-funds-expense-tracker/id6754826032)

This app offers a peaceful and supportive way to manage your finances. It securely connects to your bank accounts for automated transaction syncing, providing clear visual insights into your spending and budget progress without any advertisements.

**Highlights:** Automated transaction syncing, Visual spending insights, Flexible budget creation, Unified net worth view, Ad-free experience, Transaction filtering

**Features:** macOS Compatibility

**In-app purchases (3)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Weekly Subscription | $2.99 | per 7 days |
| Monthly Subscription | $9.99 | per month |
| Yearly Subscription | $79.99 | per year |


### Splitko

[App page](https://appshunter.io/ios/app/splitko-bill-split-and-expenses/id6759840476)

Effortlessly split bills and track group expenses with AI receipt scanning. Assign items to friends, settle up with one tap, and manage household budgets. Works offline and supports multiple currencies.

**Highlights:** AI receipt scanning, Live receipt splitting, Group expense management, Smart settle up, Household budget tracking, Offline functionality, Multi-currency support

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Splitko Premium Monthly | $2.99 | per month |
| Splitko Premium Yearly | $22.99 | per year |


## Frequently asked questions

### Is Cozy Funds free?

Cozy Funds is free to download, with in-app purchases available.

### Is Splitko free?

Splitko is free to download, with in-app purchases available.

### Which has better reviews, Cozy Funds or Splitko?

Cozy Funds and Splitko are both rated 5.0 out of 5 on the App Store, from 1 and 1 ratings respectively.

### Do Cozy Funds or Splitko have ads?

Neither Cozy Funds nor Splitko shows ads.

### Which is updated more often, Cozy Funds or Splitko?

Cozy Funds ships an update every 3 days, and Splitko every 3 days. Most recently, Cozy Funds was updated on September 9, 2026 and Splitko on September 10, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*